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Showing posts with label insurance coverage caps. Show all posts
Showing posts with label insurance coverage caps. Show all posts

21 January 2011

The GOP's rude awakening on health-care repeal from WASHINGTON POST 21JAN11

TEA-BAGGERS and right wing fanatics are finding out actually being responsible for governing is more difficult than just running their mouths.....



This whole health-care thing isn't quite working out the way Republicans planned. My guess is that they'll soon try to change the subject - but I'm afraid they're already in too deep.
Wednesday's vote to repeal President Obama's health insurance reform law was supposed to be a crowning triumph. We heard confident GOP predictions that cowed Democrats would defect in droves, generating unstoppable momentum that forced the Senate to obey "the will of the people" and follow suit. The Democrats' biggest domestic accomplishment would be in ruins and Obama's political standing would be damaged, perhaps irreparably.
What actually happened, though, is that the Republican majority managed to win the votes of just three Democrats - all of them Blue Dogs who have been consistent opponents of the reform package anyway. In terms of actual defectors, meaning Democrats who changed sides on the issue, there were none. This is momentum?
The unimpressive vote came at a moment when "the will of the people" on health care is coming into sharper focus. Most polls that offer a simple binary choice - do you like the "Obamacare" law or not - show that the reforms remain narrowly unpopular. Yet a significant fraction of those who are unhappy complain not that the reform law went too far but that it didn't go far enough. I think of these people as the "public option" crowd.
A recent Associated Press poll found that 41 percent of those surveyed opposed the reform law and 40 percent supported it. But when asked what Congress should do, 43 percent said the law should be modified so that it does more to change the health-care system. Another 19 percent said it should be left as it is.
More troubling for the GOP, the AP poll found that just 26 percent of respondents wanted Congress to repeal the reform law completely. A recent Washington Post poll found support for outright repeal at 18 percent; a Marist poll pegged it at 30 percent.
In other words, what House Republicans just voted to do may be the will of the Tea Party, but it's not "the will of the people."
"The test of a first-rate intelligence," F. Scott Fitzgerald wrote, "is the ability to hold two opposed ideas in the mind at the same time, and still retain the ability to function." By this standard, House Republicans are geniuses. To pass the "Repealing the Job-Killing Health Care Law Act," they had to believe that the work of the nonpartisan Congressional Budget Office is both authoritative and worthless.
The CBO, which "scores" the impact of proposed legislation, calculated that the health-reform law will reduce federal deficits by at least $143 billion through 2019. Confronted with the fact that repeal would deepen the nation's fiscal woes, Republicans simply claimed the CBO estimate to be rubbish. Who cares what the CBO says, anyway?
Er, um, Republicans care, at least when it's convenient. Delving into the CBO's analysis, they unearthed a finding that they proclaimed as definitive: The reform law would eliminate 650,000 jobs. Hence "Job-Killing" in the repeal bill's title.
One problem, though: The CBO analysis contains no such figure. It's an extrapolation of a rough estimate of an anticipated effect that no reasonable person would describe as "job-killing." What the budget office actually said is that there are people who would like to withdraw from the workforce - sometimes because of a chronic medical condition - but who feel compelled to continue working so they can keep their health insurance. Once the reforms take effect, these individuals will have new options. That's where the "lost" jobs supposedly come from.
The exercise in intellectual contortion that was necessary for the House to pass the repeal bill will be an excellent tune-up for what's supposed to come next. "Repeal and replace" was the promise - get rid of the Democrats' reform plan and design one of their own. This is going to be fun.
It turns out that voters look forward to the day when no one can be denied insurance coverage because of preexisting conditions. They like the fact that young adults, until they are 26, can be kept on their parents' policies. They like not having yearly or lifetime limits on benefits. The GOP is going to have to design something that looks a lot like Obamacare.
Meanwhile, Obama's approval ratings climb higher every week. Somebody change the subject. Quick!
eugenerobinson@washpost.com

20 January 2011

Health Reform by the Numbers & Bill Frist: Health Care Is 'Law Of The Land,' GOP Should Drop Repeal And Build On It from MOTHER JONES 19JAN11 & HUFFPOST 18JAN11

NOT only are the gop / tea-bagger congress people who want to repeal the Affordable Care Act hypocrites because they are keeping their government subsidized health insurance (taxpayers pay approximately $700 a month per policy for their health insurance), these politicians, a majority Christians, think nothing of spreading lies about the Affordable Care Act to spread fear and anger about Pres Obama and the government.   From Mother Jones & HuffPost.....

As Republicans seek to repeal health care reform, they have assaulted "Obamacare" as a job-killing, freedom-crushing behemoth that's pushed the country onto the path to socialism. In order to defend their landmark legislative achievement, Democrats, meanwhile, have tried to highlight the bill's most popular provisions, ones that have already gone into effect. "We can either talk about abstraction, or we can talk about real people," said Rep. Henry Cuellar (D-Texas), at a hearing on Tuesday, where Democrats invited ordinary citizens to testify about how health reform has helped them personally. "None of us did a good enough job" explaining the legislation the first time around, Minority Whip Steny Hoyer (D-Md.) admitted to reporters. And so the party has scrambled to play catch-up as the GOP has launched their all-out war against reform.
Though most of the major changes under the Affordable Care Act won't take effect until 2014, Democrats deliberately frontloaded the law with key reforms early on, in hopes of building political support for the measure. They've now trotted out those benefits as the Republicans have made health care repeal the first priority of their new House majority—even creating a map that details the benefits of reform by each congressional district. Here's a by-the-numbers rundown* of how the Democrats' health care legislation has affected Americans so far—and what the GOP is threatening to take away with Wednesday's scheduled vote on a repeal bill:
Four million Medicare beneficiaries are expected to receive a $250 rebate check for their 2010 prescription drug costs since the "donut hole" that exempted some seniors from drug discounts was closed on January 1, according to the Department of Health and Human Services.
More than four million small businesses are eligible to receive a tax credit for purchasing employee health insurance in 2010, according to a July 2010 study by Families USA and Small Business Majority (both are pro-reform advocacy groups). About 1.2 million small businesses are eligible to receive the maximum 35 percent tax credit.
About 2 million uninsured children with preexisting conditions cannot be denied coverage under the current law. By 2014, everyone with a preexisting condition (as many as 129 million Americans) would receive the same insurance protections.
Nearly 2.4 million young adults can now receive coverage through their parents' health plans, under a provision that extends coverage to dependents up to age 26, according to the Obama administration. That number includes 1.8 million young adults who weren't insured previously, as well as some 600,000 who had to buy insurance on their own.
This year, about 10,700 people will keep their insurance coverage due to a provision in the bill that prohibits an industry practice known as "rescission," which entailed stripping people of their coverage when payouts grew too costly.
Pre-reform, about 18,600 to 20,400 people hit a lifetime limit in insurance coverage each year and were denied coverage for claims above this ceiling. The reform bill prohibits insurers from setting these coverage caps.
Finally, repealing the legislation would also increase the deficit by an estimated $230 billion over the next decade, according to the Congressional Budget Office.
To be sure, not all who are eligible for these benefits will end up receiving them—either because they choose not to or because they aren't aware that they can claim them. To that end, one of the Democrats' biggest challenges in both protecting the law and improving its political appeal will be to educate the potential beneficiaries about the specific aspects of reform that help them. And the Republicans can still do significant damage to health reform by impeding this effort and obfuscating the real numbers behind the law.
*Clarification: There are 12.4 million ways in which Americans have already benefitted from reform (the aggregate of the numbers cited above). But there are less than 12.4 million people in total, as some qualify for more than one kind of benefit—e.g. young people under 26 who can qualify for their parents' insurance who also have pre-existing conditions.